Background In early 2013, when I first received the keys to my BTO flat, I had a mortgage of about $255,000. Like most first-time BTO owners, by default, I was on the HDB Concessionary Loan (HDB CL). Even in 2013,…

Dear OCBC 360, It pains me to write this break-up letter. I have actually developed real feelings for you during the past 3 years. Over this period, even though you have decided to gradually give fewer in this relationship (from…

Raising Of Premiums When I heard this piece of news that meant all insurers were effectively raising the premiums of their Integrated Shield Plans (IPs), I knew that I might have to reevaluate my health care insurance strategy. After all, according…

CPF is something close to the hearts of Singaporeans. In fact, it is hard to meet an adult Singaporean without strong views on CPF policies or issues. Be it the inability to withdraw your CPF funds until age 55, interest rates…

I received an SMS from OCBC about the new updates to the OCBC 360 account and after a couple of clicks, I was greeted with this: Basically, OCBC 360 has regressed from an amazing product three years ago to a…

I rarely make posts back to back on two consecutive days but a mistake absolutely calls for it. After yesterday’s post on the POSB Cashback Bonus scheme, a reader emailed me and told me that he was in the same…

Update: I have made a mistake in the post below and I am signing up for the POSB Cashback Bonus because POSB Invest-Saver qualifies me for my third criteria. An updated post is written here. Ever since OCBC first introduced…

It’s been some time (close to 3 years) since I last reviewed our insurance policies. Truth be told, I was going to review it only when there’s a change to our family nucleus. #keepingfingerscrossed Let’s hope there will be some…